Critical Illness

Critical Illness Insurance helps provide financial assistance if you are diagnosed with a covered disease.

You’ll receive a lump-sum payment that can be used for anything you need — even if it’s not related to your illness.

Covered conditions are:

  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anemia
  • Benign brain tumour
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Heart attack
  • Heart valve replacement or repair
  • Kidney failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major organ failure on waiting list
  • Severe burns
  • Stroke
  • Major organ transplant
  • Multiple sclerosis
  • Occupational HIV infection
  • Paralysis
  • Parkinson’s disease

Your children are covered for the conditions above and:

  • Cerebral palsy
  • Down syndrome
  • Congenital heart disease
  • Muscular dystrophy
  • Cystic fibrosis
  • Type 1 diabetes

What the Plan Costs (Monthly)

AgeMale Non-Smoker Rate per $10,000 of CoverageMale Smoker Rate per $10,000 of CoverageFemale Non-Smoker Rate per $10,000 of CoverageFemale Smoker Rate per $10,000 of Coverage
Age18-29Male Non-Smoker Rate per $10,000 of Coverage$1.29Male Smoker Rate per $10,000 of Coverage$1.52Female Non-Smoker Rate per $10,000 of Coverage$1.21Female Smoker Rate per $10,000 of Coverage$1.42
Age30-34Male Non-Smoker Rate per $10,000 of Coverage$1.78Male Smoker Rate per $10,000 of Coverage$2.43Female Non-Smoker Rate per $10,000 of Coverage$2.10Female Smoker Rate per $10,000 of Coverage$2.79
Age35-39Male Non-Smoker Rate per $10,000 of Coverage$2.16Male Smoker Rate per $10,000 of Coverage$3.09Female Non-Smoker Rate per $10,000 of Coverage$2.58Female Smoker Rate per $10,000 of Coverage$3.95
Age40-44Male Non-Smoker Rate per $10,000 of Coverage$3.28Male Smoker Rate per $10,000 of Coverage$5.47Female Non-Smoker Rate per $10,000 of Coverage$3.87Female Smoker Rate per $10,000 of Coverage$7.04
Age45-49Male Non-Smoker Rate per $10,000 of Coverage$5.44Male Smoker Rate per $10,000 of Coverage$10.75Female Non-Smoker Rate per $10,000 of Coverage$5.12Female Smoker Rate per $10,000 of Coverage$10.42
Age50-54Male Non-Smoker Rate per $10,000 of Coverage$8.57Male Smoker Rate per $10,000 of Coverage$19.36Female Non-Smoker Rate per $10,000 of Coverage$7.76Female Smoker Rate per $10,000 of Coverage$16.56
Age55-59Male Non-Smoker Rate per $10,000 of Coverage$12.77Male Smoker Rate per $10,000 of Coverage$30.91Female Non-Smoker Rate per $10,000 of Coverage$9.42Female Smoker Rate per $10,000 of Coverage$19.55
Age60-64Male Non-Smoker Rate per $10,000 of Coverage$20.85Male Smoker Rate per $10,000 of Coverage$49.31Female Non-Smoker Rate per $10,000 of Coverage$13.32Female Smoker Rate per $10,000 of Coverage$25.16

Coverage for all dependant children is $2.25 per $10,000 of coverage. For example, your monthly deduction for $50,000 of coverage would be $11.25.

What the Plan Pays

HeaderCoverage TierBenefit
HeaderYou/Your Spouse$10,000–$20,000 (in $10,000 increments, with a 2-unit or $20,000 minimum) up to $200,000 maximum
HeaderYour Child(ren)$5,000–$20,000 (in $5,000 increments up to $20,000 maximum)

Note: If you are newly eligible to enrol, you can elect coverage up to $30,000 without answering any health questions. Otherwise, you are required to show proof of good health.

Filing a Claim

To initiate a life insurance claim, contact Team Member Services at
(855) 432-6453.